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Refinancing an SMSF Loan: How It Works

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Liberty Financial - SMSF Loan Refinance

Liberty Financial is currently offering a 0.25% discount off the standard rate and a waiver of the $695 Legal Fee for SMSF loan refinance applications.

To streamline the refinance process, ESUPERFUND (via Beagle Finance Pty Ltd) has established a direct arrangement with Liberty Financial to assist clients of ESUPERFUND with submitting refinance applications.

Please refer to the tables below for the applicable rates and fees from our SMSF panel lender for refinance applications.

 
 
Applicable Rates (refinance only)

Liberty Financial
 
Variable Rate (Principal & Interest) *
LVR / Property Type
Houses/ Townhouses / Units
Apartments
≤60% LVR
6.85% p.a.
7.10% p.a.
70% LVR
7.00% p.a.
7.25% p.a.
80% LVR
7.20% p.a.
N/A

* The above rates apply to SMSF refinance clients with a clear credit history only. Interest Only loans will be subject to a 0.5% p.a. rate loading. Final approval is subject to the lender's credit assessment and a satisfactory property valuation.

 

 
 
Applicable Fees and Lender Requirements (refinance only)

Lender Fees
Application Fee
$495.00
Legal Fee
Waived
Valuation Fee
Included in Application Fee **
Settlement Fee
FREE
Monthly Fee
$30
Other Loan Fees
Detailed in Loan Contract
Other Fees
ESUPERFUND Property Loan Refinance Fee
FREE
ESUPERFUND Additional Annual Fee
FREE
Requirements
Maximum LVR - Individual SMSF Trustee
80%
Maximum LVR - Company SMSF Trustee
80%
Minimum Loan Amount
$100,000.00 or the current outstanding loan balance
Maximum Loan Amount
$10,000,000.00 or the current outstanding loan balance
Minimum SMSF Assets Required
Nil
Post Settlement Liquidity Requirement
Nil
Offset Account
Not Available
Redraw Facility
Not Available
Personal Guarantees Required
Yes

** The application fee is payable at the time of valuation order. An additional valuation fee may apply for duplex properties, properties valued over $1,000,000, or those located in remote areas.
Before you proceed with the refinance application, we recommend that you contact your current lender to ascertain the costs involved (i.e. Mortgage Discharge fee etc).

 
 
How to Apply

If you wish to refinance your current SMSF loan with Liberty Financial, please click here to log in to your ESUPERFUND Client Portal and submit an application. Once received, we will provide you with the lender's application form for completion.

After you have completed the application form and return with all required supporting documents via your Client Portal Inbox, we will process your refinance application and submit it to the lender for assessment.

 
 
Refinance Documents Checklist

During the refinance process, the following documents will be required at a minimum:

  • Completed Lender's Application Form
  • Photo IDs (e.g. Driver License, Passport)
  • Recent Council Rates Notice for the SMSF property being refinanced
  • Bare Trust Deed
  • Amended Bare Trust Deed (if applicable)
  • The last six months of SMSF Bank Statements

Once submitted, the application will automatically undergo the lender's “Easy Refinance” digital assessment.

If the application passes this assessment, a desktop valuation will be performed, and approval will be granted automatically.

If not, the system will refer the application to an underwriter for manual assessment, and additional financial documentation (e.g. SMSF rental statements, SMSF loan statements, and members' personal financial documents such as payslips and income statements) may be required.

 
 
Other Questions

If you have any further questions regarding the Liberty Financial SMSF loan refinance and the refinance process, please contact ESUPERFUND via your Client Portal Inbox.

 
 
No Loan Advice Provided

ESUPERFUND is an Authorised Credit Representative (ACR 413213) of Beagle Finance Pty Ltd ACN 140 290 268 (ACL 383640) which has a licence authorising it to arrange credit and has a direct arrangement with Liberty Financial.

ESUPERFUND (whether directly or via associated entities) is an execution only Loan Service. By applying to refinance your SMSF Loan via ESUPERFUND, we will assist you to obtain loan approval and attend to the associated application paperwork.

At no time does ESUPERFUND recommend that the selected Lender is appropriate for your SMSF needs, objectives or circumstances. ESUPERFUND does not provide financial product advice or recommendations. The information provided on this page is factual only. You should review the relevant disclosures here and seek independent financial advice to determine whether refinancing your SMSF Loan with Liberty Financial aligns with your SMSF requirements.

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ESUPERFUND Pty Ltd as Trustee for ESUPERFUND Trust ABN 37 842 535 715

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General Advice Warning

No Advice Express or Implied: The contents of this website are of a general nature only and have not been prepared to take into account any particular investor's objectives, financial situation or particular needs. ESUPERFUND does not provide financial product advice or recommend any financial products either expressly or implied. ESUPERFUND expressly states that it does not recommend, represent as suitable, or endorse any financial product or service available through ESUPERFUND. This applies equally to those financial products which are established for your SMSF when you become a client of ESUPERFUND. Any information provided in relation to any financial product or service available through ESUPERFUND is factual information only about the operation of the account and how data is made available to ESUPERFUND. Where this website refers to a particular financial product then you should obtain a Product Disclosure Statement (PDS) relating to that product and consider the PDS before making any decision about whether to acquire the product. We also recommend that you should seek professional advice (see below) from a financial adviser before making any decision to purchase any financial product referred to on this website. While the sources for the material are considered reliable, responsibility is not accepted for any inaccuracies, errors or omissions.

Seek Professional Advice from a Financial Adviser: ESUPERFUND is a no advice model and does not provide financial, legal or tax advice to clients. We recommend that you seek appropriate professional advice in view of your personal circumstances. A licensed financial adviser will consider your personal situation and make a recommendation suitable to your financial needs. All information detailed on our website is purely factual and is general in nature. Accordingly, you should not rely on it. It should always be remembered that Trustees are legally responsible for all the decisions made even if you obtain advice from a Financial Planner. Whilst a Financial Professional can provide advice and assistance you are ultimately responsible for the Fund.

Fees: Fees relating to operating your SMSF with ESUPERFUND are detailed on our fee page here. When setting up an SMSF it is important to understand that additional fees may apply that must be carefully considered prior to making a decision to set up an SMSF including an ATO Supervisory Levy, Company Trustee Setup Fee (where applicable), and Investment Fees.